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Highest Club Savings Account Rates in Missouri
24 Missouri-specific products

By Aviel Fahl

Newest reading: October 13, 2026

Top Missouri Rate:3.00%

The Missouri market

Missouri accounts

24

Institutions

20

Top Missouri APY

3.00% APY

FDIC national average

0.37%

As of Sep 2026

24 club savings accounts are open only to Missouri residents, from 20 institutions. The highest advertised APY among them is 3.00%.

11 of the 24 Missouri club savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

Missouri-Specific Club Savings Accounts

Club Savings accounts specifically available to Missouri residents.

#1

HomePride Bank

Christmas Club Account

+$300
per year
3.00% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

No withdrawals are allowed before the maturity date. All interest is forfeited if the account is withdrawn or closed early. The balance and its interest are paid out by check in early November.

Show Fine Print & Trends
Min. Deposit$25
Min. Balance$25
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 11466)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteHomePride Bank

Direct Link to Product Page (Not Sponsored)

#2

UNICO Bank

Christmas Club Savings

+$250
per year
2.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 10608)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteUNICO Bank

Direct Link to Product Page (Not Sponsored)

#3

Bank 21

Christmas Club

+$100
per year
1.00% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1
Min. Balance$1
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 8560)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBank 21

Direct Link to Product Page (Not Sponsored)

#4

Bank Northwest

Christmas Club Account

+$75
per year
0.75% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$20
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 16601)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBank Northwest

Direct Link to Product Page (Not Sponsored)

#5

The Corner Stone Bank

Christmas Club

+$70
per year
0.70% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

No withdrawals are allowed until the maturity date.

Show Fine Print & Trends
Min. Deposit$5
Min. Balance$5
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 9388)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Corner Stone Bank

Direct Link to Product Page (Not Sponsored)

#6

HomeBank

Christmas Club

+$65
per year
0.65% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The opening deposit cannot exceed $2,500 and the account cannot take more than $10,000 in total. Deposits run until the second week of October and resume in the first week of November for the following year. The balance is paid out by check, or moved to another HomeBank account, in the third week of October. Closing the account before then is charged an early withdrawal penalty of 10% of the balance, with a minimum of $25. An account left at a zero balance for 30 days is closed.

Show Fine Print & Trends
Min. Deposit$5
Min. Balance$5
Maintenance Fee$0
Compound Freqannually
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 14492)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteHomeBank

Direct Link to Product Page (Not Sponsored)

#7

HomeBank

Summer Savings

+$65
per year
0.65% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The opening deposit cannot exceed $2,500 and the account cannot take more than $10,000 in total. Deposits run until the second week of May and resume in the first week of June for the following year. The balance is paid out by check, or moved to another HomeBank account, in the third week of May. Closing the account before then is charged an early withdrawal penalty of 10% of the balance, with a minimum of $25. An account left at a zero balance for 30 days is closed.

Show Fine Print & Trends
Min. Deposit$5
Min. Balance$5
Maintenance Fee$0
Compound Freqannually
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 14492)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteHomeBank

Direct Link to Product Page (Not Sponsored)

#8

The Citizens-Farmers Bank of Cole Camp

Christmas Club

+$65
per year
0.65% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A check for the full account balance is issued every November 1st, and interest is paid once a year.

Show Fine Print & Trends
Min. Deposit$1
Min. Balance$1
Maintenance Fee$0
Compound Freqannually
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 11463)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Citizens-Farmers Bank of Cole Camp

Direct Link to Product Page (Not Sponsored)

#9

Citizens Bank

Christmas Club

+$50
per year
0.50% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$10
Min. Balance$10
Maintenance Fee$0
Compound Freqannually
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 14488)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteCitizens Bank

Direct Link to Product Page (Not Sponsored)

#10

HNB National Bank

Christmas Club

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

What to Watch

No withdrawals are allowed before the maturity date. The balance is sent to the customer by check once a year.

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. Balance$0
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4540)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteHNB National Bank

Direct Link to Product Page (Not Sponsored)

#11

Peoples National Bank , N.A.

Christmas Saver

+$42
per year
0.42% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Funds may be withdrawn between October 1 and December 31. A withdrawal made between January 1 and September 30 costs $10.

Show Fine Print & Trends
Min. Deposit$5
Min. Balance$0
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 3809)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SitePeoples National Bank , N.A.

Direct Link to Product Page (Not Sponsored)

#12

United Bank of Union

Christmas Club

+$35
per year
0.35% APY
Oct 3, 2026
FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 14334)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteUnited Bank of Union

Direct Link to Product Page (Not Sponsored)

#13

United Bank of Union

Vacation Club

+$35
per year
0.35% APY
Oct 3, 2026
FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 14334)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteUnited Bank of Union

Direct Link to Product Page (Not Sponsored)

#14

Chester National Bank

Christmas Club

+$30
per year
0.30% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

No withdrawals are allowed. The balance is paid out at the end of the club year, no later than October 31. A $25 fee applies if the account is closed before the club year ends.

Show Fine Print & Trends
Min. Deposit$10
Min. Balance$10
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30220)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteChester National Bank

Direct Link to Product Page (Not Sponsored)

#15

Bank of Washington

Christmas Club

+$25
per year
0.25% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Deposits must be made in $5 increments. Interest is paid once a year by a check mailed in mid-October.

Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 12627)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBank of Washington

Direct Link to Product Page (Not Sponsored)

#16

Lindell Bank & Trust Company

Christmas Club Savings

+$25
per year
0.25% APY
Oct 13, 2026
FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 1073)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteLindell Bank & Trust Company

Direct Link to Product Page (Not Sponsored)

#17

Silex Banking Company

Christmas Club

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

No early withdrawal is allowed. The balance and the accrued interest are paid out by check each year in October. Payments into the account can be transferred automatically from a checking account.

Show Fine Print & Trends
Min. Deposit$5
Min. BalanceN/A
Maintenance Fee$0
Compound Freqannually
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 14178)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteSilex Banking Company

Direct Link to Product Page (Not Sponsored)

#18

Exchange Bank & Trust

Christmas Club

+$20
per year
0.20% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The balance is released automatically each year on October 31, by check or by direct deposit to an Exchange Bank account. An early withdrawal forfeits the interest earned.

Show Fine Print & Trends
Min. Deposit$5
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4619)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteExchange Bank & Trust

Direct Link to Product Page (Not Sponsored)

#19

Bank of Franklin County

CLUB Account (with auto deposit)

+$10
per year
0.10% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Periodic deposits are required. Withdrawals need the bank's consent before the payout-maturity date, and a consented withdrawal can forfeit all accrued interest. On that date the balance and interest are paid out and the account returns to zero; the account closes if no deposit is made within the next 60 days. The maximum deposit allowed is $100,000.

Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0
Maintenance Fee$0
Compound FreqDoesn't compound
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 35543)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteBank of Franklin County

Direct Link to Product Page (Not Sponsored)

#20

First National Bank of Waterloo

Christmas Club

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Variable rate. The rate and APY can change at any time. Interest is credited once a year. The balance is paid out each October by check or by transfer to another FNB account.

Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 3842)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteFirst National Bank of Waterloo

Direct Link to Product Page (Not Sponsored)

#21

First National Bank of Waterloo

Vacation Club

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Variable rate. The rate and APY can change at any time. Interest is credited once a year. The balance is paid out each April by check or by transfer to another FNB account.

Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 3842)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteFirst National Bank of Waterloo

Direct Link to Product Page (Not Sponsored)

#22

St. Johns Bank and Trust Company

Christmas Club

+$6
per year
0.06% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

An automatic transfer of at least $10 from another account at this bank is required at least once a month. No withdrawal is allowed until the annual distribution in October. Interest is credited once a year, and accrued interest is forfeited if the account is closed before it is credited.

Show Fine Print & Trends
Min. Deposit$10
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 8898)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteSt. Johns Bank and Trust Company

Direct Link to Product Page (Not Sponsored)

#23

Bank of Franklin County

Club Account

+$5
per year
0.05% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Periodic deposits are required. Withdrawals need the bank's consent before the payout-maturity date, and a consented withdrawal can forfeit all accrued interest. On that date the balance and interest are paid out and the account returns to zero; the account closes if no deposit is made within the next 60 days. The maximum deposit allowed is $100,000.

Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0
Maintenance Fee$0
Compound FreqDoesn't compound
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 35543)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteBank of Franklin County

Direct Link to Product Page (Not Sponsored)

#24

F&M Bank and Trust Company

Christmas Club

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

No withdrawals are allowed. Funds are paid out each year in mid-October. Interest earned is forfeited if the account is closed early.

Show Fine Print & Trends
Min. Deposit$5
Min. Balance$5
Maintenance Fee$0
Compound FreqAnnually
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30595)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteF&M Bank and Trust Company

Direct Link to Product Page (Not Sponsored)